Many of the mortgage insuring processes are centralized into three Homeownership Centers (HOC), each supporting specialized functions such as mortgage insurance operations, disposition of HUD's Real Estate Owned inventory, oversight and compliance, and loan servicing. Although we ask you to send your questions to the FHA Resource Center (not the HOC) for immediate acknowledgement and tracking, certain case specific issues will subsequently be referred to the appropriate HOC.

Atlanta Homeownership Center specializes in quality assurance functions, including:

• Lender Reviews
• Loan Level Reviews
• Appraisal Reviews
• Quality Control Reviews

U.S. Department of Housing and Urban Development
Atlanta Homeownership Center
Martin Luther King Jr. Federal Building (MLK FOB)
77 Forsyth Street SW
Atlanta, GA 30303

Denver Homeownership Center specializes in loan servicing functions, including:

• Forward Mortgage Serving
• HECM Management and Servicing
• Partial Claim Servicing

U.S. Department of Housing and Urban Development
Denver Homeownership Center
1670 Broadway
Denver, CO 80202

Philadelphia Homeownership Center specializes in loan origination, underwriting, and REO management functions, including:

• Loan Endorsements
• Condominium Approvals
• REO Management

U.S. Department of Housing and Urban Development
Philadelphia Homeownership Center
801 Market Street
Philadelphia, PA 19107